| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, INC | 3000 LENTO BOULEVARD BETHEL PARK, PA 15102 | HIGHMARK | $33K | — | $33K | 2.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 85 CAMPAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | $132 | — | $132 | 0.04% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS AGENCY | 68 NORTH HIGH STREET BUILDING B, SUITE 201 NEW ALBANY, OH 43054 | NATIONWIDE LIFE INSURANCE | $37K | — | $37K | 12.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 1687 TOLEDO, OH 43603 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 6.96% |
| LANCE SHNIDER3 | 2500 CORPORATE EXCHANGE DRIVE SUITE 132 COLUMBUS, OH 43231 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 6.49% |
| INNOBENEFITS LLC3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.68% |
| HYLANT GROUP INC3 | 50 EAST BUSINESS WAY SUITE 200 CINCINNATI, OH 45241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 8.97% |
| HYLANT GROUP INC3 | 50 EAST BUSINESS WAY SUITE 200 CINCINNATI, OH 45241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $660 | $4K | 12.15% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,044 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK | 255 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 589 | $295K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 622 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 618 | $109K |
| Prescription drug | HIGHMARK | 162 | $1.1M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $334K |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE | 255 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.